4401 Frederick Ave, Saint Joseph, MO 64506 Property Records

Buchanan County property record for 4401 Frederick Ave, Saint Joseph, MO 64506

Property Summary

Property Type	Single Family Home
Details	2,229 sqft · built 1981
Lot Size	0.451 acres (19,641 sqft)
Owner	2 Individual Names on Record
Last Sale	$154,400 (Feb 2019)
Tax Bill	$2,772 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2019 Mortgage + 2 more
APN	`06-1.0-02-004-004-020.000`

Property Details

APN / Parcel Number

Primary APN	`06-1.0-02-004-004-020.000`

Interior

Building Area	2,229 sqft Base Area
1st Floor Area	2,229 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Lot Area	19,641 sqft (0.451 acres)
Lot Dimensions	190 ft deep x 103 ft wide

Location & Zoning

Street Address	4401 FREDERICK AVE
City	SAINT JOSEPH
State	MO
Zip	64506-3114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	02-57-35SESUB: LOT: BLK:LGL DESC:PT OF SE4 SE4 COMM AT SE COR SEC 2 TH N ALG S/L 565' TH W 409.1' FOR POB TH S 184.56' TH SELY 66.44' NE 36.67' N 190 .47'SE 97.05' TO POB
Legal Range	35W
Legal Township	57N
Legal Section	02
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1011
Census Tract	702

Owner

Source: Buchanan County records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4401 FREDERICK AVE, SAINT JOSEPH, MO 64506-3114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO
Aug 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage HOME LOAN & INVESTMENT BANK FS
Feb 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK ST CHARLES
Feb 19, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK ST CHARLES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2019 · Amount on Record
Deed Sale	Feb 19, 2019 · Amount on Record
Deed Document Number	20191121
Deed Book / Page	3726 / 318
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	4401 FREDERICK AVE, SAINT JOSEPH, MO 64506-3114
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4401 FREDERICK AVE, SAINT JOSEPH, MO 64506-3114

Mortgage

Document Number	003752/473
Date	Aug 26, 2020
Book Page	3752/473
Instrument	2020007645

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	4401 FREDERICK AVE, SAINT JOSEPH, MO 64506-3114
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	TRITON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003740/439
Date	Aug 19, 2019
Book Page	3740/439
Instrument	2019006876

Lender

Name	HOME LOAN & INVESTMENT BANK FS
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 1, 2029

Interest

Rate Type	Fixed Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	4401 FREDERICK AVE, SAINT JOSEPH, MO 64506-3114
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3726/320
Date	Feb 19, 2019
Book Page	3726/320
Instrument	2019001122

Lender

Name	FIRST STATE BANK ST CHARLES
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2049

Interest

Rate Type	Fixed Rate

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Feb 19, 2019
Property Address	4401 FREDERICK AVE, SAINT JOSEPH, MO 64506-3114
Document Number	003726/318
Book / Page	3726 / 318
Instrument Date	Feb 15, 2019
Instrument	2019001121
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4401 FREDERICK AVE, SAINT JOSEPH, MO 64506-3114

Mortgage

Document Number	003726/320
Date	Feb 19, 2019
Book Page	3726/320
Instrument	2019001122

Lender

Name	FIRST STATE BANK ST CHARLES
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Buchanan County assessment roll, as of November 4, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Buchanan County
Municipality	St. Joseph City
Unified School District	St. Joseph School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,772.00 (+0.04%)	$38,840 (+10.53%) Land $3,900 Building $34,940	$204,370 (+10.53%) Land $20,500 Building $183,870
2024	$2,771.00 (+20.64%)
2023	$2,297.00 (-0.69%)	$35,140 (-) Land $3,900 Building $31,240	$184,900 (-) Land $20,500 Building $164,400
2022	$2,313.00	$35,140 Land $3,900 Building $31,240
2021			$184,900 Land $20,500 Building $164,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2020–2021)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2021 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 93% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MO AMERICAN ST JOSEPH private · serves 89,171 people · EPA ID MO1010714
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 319 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
United Fiber Fiber	1,000 / 1,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber, Metronet.

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